Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — FY2021 Earnings Presentation
61 slides from Pt Bank Permata Tbk Class A's earnings presentation, 2022
Slide 1: PT Bank Permata FY2021 Financial Results Analyst Meeting
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Slide 2: Disclaimer
DISCLAIMER Laporan ini disusun oleh PT Bank Permata Tbk secara independen dan diedarkan hanya untuk tujuan informasi umum. Hal ini tidak dimaksudkan untuk orang tertentu yang mungkin menerima laporan ini. Informasi dalam laporan ini telah diperoleh dari sumber- sumber yang kami anggap dapat dipercay
Slide 3: PermataMobile X
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Slide 4: Company Profile
COMPANY PROFILE YEAR LISTED AT STOCK BUSINESS ESTABLISHED OCK MARKET CODE SIRIARIEINOILDIEINS COVERAGE national network. — Digital Value Chain 1995 Since 1990 at BNLI Bangkok Bank Retail Banking Jakarta Stock Public Company SME Banking Exchange and Limited Wholesale Banking Surabaya Stock 98.71% Sha
Slide 5: One of the Best Top Ten Bank in Indonesia
ONE OF THE BEST TOP TEN BANK IN INDONESIA cITY OWNED ATM + COVERAGE ee | INDOMARET 62 / > 20,000 CUSTOMER : NH ALASSISTED > 6,100,000 40 CALL CENTER Several has gone live more will be launched in 2022/2023. j STAFF MARKET SHARIAH uNLE*3 > 8,000 BRANCH and LEADING DIGITAL ier 3 < CAPABILITIES Allnumb
Slide 6: Board of Commissioners
BOARD OF COMISSIONERS CHARTSIRI SOPHONPANICH CHONG TOH President Commissioner Commissioner RAHMAT WALUYANTO GOEI SIAUW HONG IndependentCommissioner Independent Commissioner NIRAMARNLAISATHIT Commissioner YAP TJAY SOEN Independent Commissioner HARYANTO SAHARI Independent Commissioner
Slide 7: Board of Directors
7 BOARD OF DIRECTORS * *) Has submitted resignation on 24 February 2022, which will be ratified at nearest General Meeting of Shareholders
Slide 8: Journey with Strategic Shareholder - Bangkok Bank
JOURNEY WITH STRATEGIC SHAREHOLDER- BANGKOK BANK MAY OCTOBER DECEMBER JANUARY ONWARDS 2020 2020 2020 2021 2022 ae © ‘gg, 2. Bangkok Bank J —_ Wy PermataBank Bangkok Bank Bangkok Bank Bangkok Bank PermataBank officially Share, collaborate, successfully completed completed Indonesia branches became as
Slide 9: Bankwide Strategic Direction and Implementation
9 BANKWIDE STRATEGIC DIRECTION AND IMPLEMENTATION To be the bank of choice offering universal financial services delivering a simple, fast and reliable banking experience ⎻ ⎻ ⎻ ⎻ ⎻ ⎻ ⎻ ⎻
Slide 10: Bankwide Strategic Enablers
10 BANKWIDE STRATEGIC ENABLERS
Slide 11: Synergy with Bangkok Bank
SYNERGY WITH BANGKOK BANK
Slide 12: 2021 Financial Highlights
12 2021 Financial Highlights Prudent approach has been key to delivering sustainable returns over the years 2021 profit recovered with disciplined balance sheet management Net profit Net interest income +54.3% YoY +6.6% YoY • Net Profit rose 54.3% with diversified income stream Net fees and Operatin
Slide 13: Bangkok Bank's Income Was Well Diversified
13 BANGKOK BANK’S INCOME WAS WELL DIVERSIFIED Total income Billion Baht, % of composition 160 +13.3% YoY 140 133.7 134.5 121.4 118.7 17% 120 112.5 26% 102.7 105.9 18% 14% 39% 96.9 16% 100 91.5 16% 22% 85.4 17% 21% 21% 82.2 16% 23% 21% 80 75.9 13% 24% 14% 23% 17% 23% 22% 23% 60 22% 22% 23% 40 65% 61%
Slide 14: Net Fees Growth Driven by Loan-Related Fee, Wealth Management and Securities
14 NET FEES GROWTH DRIVEN BY LOAN-RELATED FEE, WEALTH MANAGEMENT AND SECURITIES BUSINESS Fees and service income /1 Global market services For the year 2021, % of composition Billion Baht 2.86 2.93 2.68 2.68 2.76 2.78 2.53 2.59 2.53 2.50 2.22 19% 15% 10% 6% 2011 2012 2013 2014 2015 2016 2017 2018 20
Slide 15: Prudent and Diversified Approach to Loan Growth
15 PRUDENT AND DIVERSIFIED APPROACH TO LOAN GROWTH Loan Billion Baht, % of composition +9.3% YTD 2,588 2,368 2,083 2,061 25% 1,941 2,004 23% 1,869 1,753 1,782 15% 17% 17% 1,604 16% 16% 12% 1,470 15% 16% 13% 14% 14% 15% 6% 15% 13% 14% 7% 16% 11% 12% 9% 9% 8% 11% 11% 10% 15% 11% 11% 11% 16% 10% 20% 19
Slide 16: Thai Export Volume by Category
16 THAI EXPORT VOLUME BY CATEGORY (BILLION USD) Billion US dollars 45 40 38.3 35.4 35 29.8 30 25 22.0 18.2 18.7 20 18.2 15.7 14.5 15 11.2 12.1 10.0 9.8 9.2 8.0 11.2 7.3 6.6 8.0 7.6 7.2 8.5 7.3 8.8 7.6 6.7 10 6.8 5.6 4.9 5.3 5 0 Iron, steel Machinary Electrical Refined oils Gems and Chemicals Plastic
Slide 17: Indonesia Export Volume by Category
17 INDONESIA EXPORT VOLUME BY CATEGORY (BILLION USD) Indonesia ExportsByCategory(%Share) -2019 Indonesia ExportsByCategory(%Share) -2020 Indonesia ExportsByCategory(%Share) -2021 Source: Badan Pusat Statistik, Macrobond
Slide 18: Foreign Direct Investment (2019-2021)
18 FOREIGN DIRECT INVESTMENT (2019 – 2021) Source: Bank of Thailand, Bank Indonesia, Ministry of Planning and Investment (Vietnam), Bloomberg
Slide 19: Realizing Synergies Between Bank Permata and Bangkok Bank
19 REALIZING SYNERGIES BETWEEN BANK PERMATA AND BANGKOK BANK
Slide 20: Key Synergy Area: Transaction Banking
20 KEY SYNERGY AREA: TRANSACTION BANKING Total Trade (Thailand & Indonesia) Source : Bloomberg Indonesia is currently ranked seventh as a global trade Bank Permata and Bangkok Bank is running partner with Thailand. collaboration programs in Transaction Banking Indonesia is Thailand’s fourth-largest
Slide 21: Key Synergy Area: SME
21 KEY SYNERGY AREA: SME • The Macroprudential Inclusive Financing Ratio (Rasio Pembiayaan Inklusif Makroprudensial (“RPIM”), a new policy aimed to strengthen and encourage the acceleration of Indonesian SME financing Valid from August 31 2021. • Bangkok Bank will leverage our capabilities and long
Slide 22: Key Synergy Area: Fee Based Income
22 KEY SYNERGY AREA: FEE BASED INCOME BBL’s Fee Based Income Total income Billion Baht, % of composition Net interest income Net fees and service income Other operating income • Bangkok Bank’s fee based income was maintained at around 40% of total income while Bank Permata was at the level of 20%. •
Slide 23: FY 2021 Financial Performance
PERFORMANCE FINANCIAL FY 2021
Slide 24: FY 2021 Financial Performance: Loan and Total Asset
FY 2021 FINANCIAL PERFORMANCE IMPROVED ASSET QUALITY WITH PRUDENT LOAN GROWTH TOTAL GROSS LOAN (IDR TRILLION) A 6.2% YOY 1255 118.1 1.2 2.9 Others Wholesale 412% YOY Bank Retail 9, Bank 40.7% YOY Dec 2020 Dec 2021 Source:Published report (consolidated). Others included loan to other banks and employ
Slide 25: FY 2021 Financial Performance: Operating Profit and Profit After Tax
FY 2021 FINANCIAL PERFORMANCE SOLID REVENUE AND PROFITABILITY GROWTH AMID PANDEMIC CHALLENGES PRE-PROVISION OPERATING PROFIT (IDR BILLION) A 23.9% YOY 4,663 3,763 Dec 2020 Dec 2021 Source:Published report (consolidated) PROFIT AFTER TAX (IDR BILLION) A 70.6% YOY 1,231 722 Dec 2020 Dec 2021 25
Slide 26: FY 2021 Financial Performance: NIM and Cost-to-Income
FY 2021 FINANCIAL PERFORMANCE 26 MAINTAIN HEALTHY MARGIN. IMPROVED CIR ACCELERATED BY DIGITAL NEW ACCOUNTS AND LOANS GROWTH NET INTEREST MARGIN Vv 72 bps YOY 46% 44% 4.4% 4.4%? 4.0%1 7 NIM is calculated based on changes in the components of interest income and interest-earning assets as regulated by
Slide 27: FY 2021 Financial Performance: NPL and Coverage
FY 2021 FINANCIAL PERFORMANCE WE CONTINUE TO BUILD ADEQUATE COVERAGE WHILST MAINTAIN SOLID LOAN QUALITY GROSS NPL A 27 bps YOY Net NPL 1.0% 0.7% Gross NPL 2.9% 3.2% SML 49% 38% 92.2% 93.0% Current Dec 2020 Dec 2021 Source:Published report (consolidated). Ratio based on standalone published report. N
Slide 28: FY 2021 Financial Performance: Restructured Loans
FY 2021 FINANCIAL PERFORMANCE RESTRUCTURED LOAN ON COVID-19 CONTINUE TO DECLINE ON IMPROVED LOAN QUALITY RESTRUCTURED LOANS vs TOTAL Total Outstanding Loan as of End 2021 IDR 125.0 Trillion Restructured Covid-19 79% Non- Restructured 92.1% Source:Published report (consolidated). Ratio based on stand
Slide 29: FY 2021 Financial Performance: Third Party Funding
FY 2021 FINANCIAL PERFORMANCE THIRD PARTY FUNDING GREW STRONGLY WITH SOLID CASA RATIO Current & Savings Time Deposit THIRD PARTY FUND (IDR TRILLION) A 23.5% YOY 179.8 145.6 430% YOY 416% YOY Dec 2020 Dec 2021 Source:Published report (consolidated). Ratio based on standalone published report. CASA RA
Slide 30: FY 2021 Financial Performance: Capital Management
FY 2021 FINANCIAL PERFORMANCE CONSERVE ROBUST CAPITAL MANAGEMENT CAR and CET-1 Minimum CAR 12.5% Minimum Tier-1 6.0% Minimum CET-1 45% 35.7% 9, 35.4% 9 35.2% © 34.0% 34.9% 26.9% 26.6% 26.9% 25.9% 26.7% a iA Of oO Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Source:Published report (consolidated). Ra
Slide 31: SFK Divestment
FY 2021 FINANCIAL PERFORMANCE SFK (SAHABAT FINANCIAL KELUARGA) DIVESTMENT SALES OF SFK — On30th December 2021, PT Bank Permata Tbk ("PermataBank") completed sale/share divestment of PT Sahabat Finansial Keluarga ("SFK"), an affiliated company of PermataBank, to Honest Financial Technologies Internat
Slide 32: Wholesale Bank
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Slide 33: Wholesale Bank Performance
WHOLESALE BANK PERFORMANCE STRONG AND SUSTAINABLE GROWTH IN ALL ASPECTS LOAN (IDR TRILLION) A 12.4% YOY 78.8 70.1 Dec 2020 Dec 2021 Notes: Consolidated Report, exclude loan to other bank. 33 THIRD PARTY FUND (IDR TRILLION) A 47.6% YOY 68.3 46.3 Current & 471% YOY Savings Time 420% YOY Deposit Dec 20
Slide 34: Wholesale Bank Performance: Building Relationships
WHOLESALE BANK PERFORMANCE CONTINUE BUILDING RELATIONSHIPS FOR PRUDENT AND HEALTHY LOAN GROWTH Partnership providing the first in Indonesia blockchain-based trade finance. Digitizing BPR payment processes with Permata API Banking. Hosted virtual webminars to continually engage and assist Customers d
Slide 35: Wholesale Bank Strategy
WHOLESALE BANK STRATEGY DEEPEN RELATIONSHIP, GROW SELECTIVELY, BUILD NFI CAPABILITIES, CHAMPION DIGITIZATION Deepening relationship with key clients. Expand customer base on targeted names and selective prospective industries. Build up NFI capabilities leveraging digital and API capabilities. Contin
Slide 36: Retail Bank
2 PermataQR ——<——— — RETAIL BANK
Slide 37: Retail Bank Performance
RETAIL BANK PERFORMANCE FOCUS ON GROWING QUALITY ASSETS WHILST MAINTAIN STRONG LIQUIDITY TOTALLOAN CCPL (IDR TRILLION) 20% YOY 0.7% YOY 45.2 45.5 Dec Dec 2020 2021 JOIN FINANCE V44% YOY 7.4 42 Dec Dec Dec Dec 2020 2021 2020 2021 Notes: Consolidated Report, exclude loan to other segment. MORTGAGE 22%
Slide 38: Retail Bank Performance: New Products
RETAIL BANK PERFORMANCE NEW PRODUCT ALIGNED WITH CHANGING MARKET DEMANDS MUTUAL FUNDS / CAPITAL PROTECTED FUND BATAVIA PROSPERINDO ASET MANAJEMEN * Batavia Global ESG Sharia Equity USD * Batavia Proteksi Maxima 32 * Batavia Saham ESG Impact ©@ Danareksa Investment Management * Danareksa G20 Sharia E
Slide 39: Retail Bank Strategy
RETAIL BANK STRATEGY CUSTOMER-FOCUSED, DATA ANALYTICS DRIVEN, BUILD SCALE, DIGITAL-FIRST AND PROFITABLE hi Customer-centric focused Scale up Retail Business ed Digital adoption everywhere Build quality and profitable businesses Operational excellence Data analytics as core competence 39
Slide 40: Shariah Bank
SHARIAH BANK
Slide 41: Shariah Bank Performance
SHARIAH BANK PERFORMANCE CONSISTENT GROWTH STORIES WITH CONVENTIONAL BANKING FINANCING (IDR TRILLION) A 13.0% YOY 16.5 146 Dec 2020 Dec 2021 Notes Consolidated Report, exclude loan to other segment. THIRD PARTY FUND (IDR TRILLION) A 24.3 YOY 24.0 19.4 Dec 2020 Dec 2021 41
Slide 42: Shariah Bank Performance: Key Initiatives Delivered During FY2021
42 SHARIAH BANK PERFORMANCE KEYINITIATIVES DELIVERED DURINGFY2021 PERMATATABUNGAN PERMATATABUNGAN WEALTH MANAGEMENT PERMATABANK API BPR (S) PERMATA KPR IB BEBAS PAYROLL IB IB MITRA QR SUKUK SERIES DIGITAL BPR/S PARTNERSHIP ENTERPRISE INTELLIGENCE for PERMATA TABUNGAN HAJI NEW PERMATANET NEW CRM for
Slide 43: Shariah Bank Strategy
SHARIAH BANK STRATEGY UNIQUE VALUE PROPOSITION, ECOSYSTEM PLAY AND DIGITAL-FIRST CUSTOMER EXPERIENCE Leading the Sharia financial market with strong unique value proposition to drive Funding and NFI. Penetrating target market through most effective and efficient distribution channel including via ec
Slide 44: Digital Bank
Make A 2 a EP T-|. ead Experience a Whole New Banking Experience. aro mandir investas! DIGITAL BANK
Slide 45: Market Leading Digital Banking Capabilities: Retail Bank
MARKET LEADING DIGITAL BANKING CAPABILITIES: RETAIL BANK 45 PERMATATA NET PERMATATA ATM ONLINE BANKING > 20,000 ATM &INDOMARET PERMATATA MOBILE X MOBILE BANKING. DIGITAL MODEL BRANCH ONLINE / OFFLINE PERMATABANK.COM HOME RELATIONSHIP MANAGER VIRTUAL + PHYSICAL ASSISTED PERMATA QR PAY QRIS PERMATATA
Slide 46: World-Class Digital Services: SME and Wholesale Bank
WORLD-CLASS DIGITAL SERVICES: SME AND WHOLESALE BANK API BANKING QR MERCHANT More than 150 APIs available BLOCKCHAIN TRADE FINANCE PERMATA e-BUSINESS > 300,000 MERCHANTS DIGITAL VALUE CHAIN INTERNET BANKING PERMATA e-BUSINESS MOBILE BANKING ‘SUPPLY CHAIN FINANCE RELATIONSHIP MANAGER VIRTUAL + PHYSIC
Slide 47: Total New Loans and Accounts
47 196,468,988 197,571,590 19,301,803 1,618,087 Jan-18 Mar-18 May-18 Jul-18 Sep-18 Nov-18 Jan-19 Mar-19 May-19 Jul-19 Sep-19 Nov-19 Jan-20 Mar-20 May-20 Jul-20 Sep-20 Nov-20 Jan-21 Mar-21 May-21 Jul-21 Sep-21 Nov-21 API BANKING 72% MOBILE 2016 BANKING BRANCHES/ Total new loans and accounts 3% 2021 M
Slide 48: Key Digital Launches During 2021
KEY DIGITAL LAUNCHES DURING 2021 API GATEWAY for Partners’ end-user topup API FOR ONLINE RON account opening Digitizing BPR(S) with API CONNECTION = a API connection for QR ACQUIRING MERCHANTS KYC DUKCAPIL Biometric Verification | |_| SALES & SERVICE TOOLS for all Frontline ENTERPRISE INTELLIGENT DI
Slide 49: New Digital Model Branch Launches During 2021
NEW DIGITAL MODEL BRANCH LAUNCHES DURING 2021
Slide 50: Flagship Branches Converted to Digital Model Branch
50 All our flagship branches are being renovated/converted to digital model branch will be rolled out starting in 2022:
Slide 51: Coming Soon
COMING SOON xD PermataME NEXT GENERATION OF PERMATAMOBILE X FOR RETAIL MOST ADVANCED PERMATA e-BUSINESS INTERNET CUSTOMERS MAKING BANKING EASIER, BETTER, FASTER BANKING for SME AND CORPORATE CUSTOMERS 51
Slide 52: Appendixes
APPENDIXES
Slide 53: Income Statement
53 Rp Billion Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 YoY Net Interest Income 6,809 1,996 4,028 5,947 7,975 17% Non Interest Income 2,329 386 930 1,512 2,143 -8% Revenue 9,138 2,382 4,958 7,460 10,118 11%% Staff costs 2,789 699 1,376 2,092 2,791 0% General, Admin & Others 2,585 613 1,239 1,913
Slide 54: Balance Sheet
54 Rp Trillion Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 YoY Cash 1.795 1.554 1.592 1.508 1.978 10% Placement to BI 23.228 18.245 31.844 29.571 38.215 65% Placement with other Banks 3.735 5.217 6.431 10.133 8.978 140% Marketable Securities 24.350 29.716 35.570 40.259 42.167 73% Reverse Repo 22.27
Slide 55: Key Ratios
55 Dec-2020 Dec-2021 Change CET-1 ratio 26.92% 26.73% -0.2% Total CAR 35.68% 34.94% -0.7% LDR 78.69% 68.97% -9.7% CASA Ratio 51.22% 54.02% 2.8% ROA 0.97% 0.73% -0.2% ROE 3.10% 2.88% -0.2% BOPO / OEM 88.76% 90.07% 1.3% CIR 58.67% 54.92% -3.7% NIM 4.56% 4.02% -0.5% NPL (Gross) 2.90% 3.20% 0.3% NPL (Ne
Slide 56: Digital Delivered During 2021: API
DIGITAL DELIVERED DURING 2021 CONTINUE TO LEVERAGE API AS OUR NEW BUSINESS MODEL TO BUILD SCALE API Gateway for Xendit User to Top-Ups Serve as payment Gateway to facilitate Xendit users top-up for Shopee, OVO, Go-Pay and Dana. This further increased API transaction volume. API for Online RDN Accoun
Slide 57: Digital Delivered During 2021: PermataMobile X Features
DIGITAL DELIVERED DURING 2021 MORE NEW FEATURES ON PERMATAMOBILE X IMPROV CUSTOMER EXPERIENCE AND INCREASE ACTIVE USERS Vecithasi Wish ekst Dana Untuk transaksi Reksa Dana, kamu horus ‘memfild Single Investor Identification (SID) ‘kuti langkah-langkah berikat untuk registrasi SID: KYC Facial Livenes
Slide 58: Digital Delivered During 2021: Payment Experience
DIGITAL DELIVERED DURING 2021 PERMATAMOBILE X IMPROVED PAYMENT EXPERIENCE AND ALSO INCREASED CASH ACCESS POINTS Simplified Retail Gov. Bond Purchase New feature on PermataMobile X making Government Bond purchase easier and faster for our Retail and Syariah Customers. Cross-Border QR Pay Thailand - I
Slide 59: Digital Delivered During 2021: Strategic Partnerships
DIGITAL DELIVERED DURING 2021 MORE STRATEGIC PARTNERSHIP TO BUILD SCALE; FIRST BLOCKCHAIN SOLUTION IN THE MARKET; IMPROVED KYC EXPERIENCE Top-Up AstraPay from PermataMobile X Further enhanced strategic relationship with Astra International, provide top-up AstraPay from their Customer's Savings Accou
Slide 60: Digital Delivered During 2021: Assisted Channel and Back-Office
DIGITAL DELIVERED DURING 2021 DIGITIZING ASSISTED CHANNEL, BACK-OFFICE OPERATION DELIVERING BETTER STAFF AND CUSTOMER EXPERIENCE Enterprise Intelligence: Driving Transformation Empower data access to staff across the Bank driving fact- based performance assessment, decision making. This removed depe
Slide 61: PermataBank Investor Relations
wp PermataBanlknY PT BANK PERMATA TBK INVESTOR RELATIONS UNIT World Trade Center II Jalan Jend. Sudirman Kav. 29-31 Jakarta 12920 Indonesia Phone = +6221-523-7899 / +6221-523-7999 Website www.permatabank.com Email investor.relations@permatabank.co.id